Health & Wellness Insurance
Health & Wellness Insurance protects you and your family from medical expenses, emergencies, and rising healthcare costs in Pakistan.
Partnered With Trusted Pakistani Health Providers
Health & Wellness Protection for Pakistan
Healthcare costs in Pakistan are rising every year. Even a small medical emergency can become financially overwhelming for individuals and families. From routine doctor visits to major surgeries, health-related expenses can disrupt your budget, savings, and peace of mind.
Pak Motor Guard Health & Wellness Insurance offers comprehensive protection designed for the needs of Pakistani families. We provide access to trusted hospitals, quality medical care, and financial support when you need it most.
Our mission is to make healthcare affordable, accessible, and stress-free for everyone no matter your age, income, or lifestyle.
What is Health & Wellness Insurance?
Health & Wellness Insurance offers financial protection against medical costs resulting from illness, injury, hospitalizations, accidents, and preventive care. It ensures you can receive proper treatment without worrying about unexpected expenses.
This insurance protects against:
- Hospital bills and inpatient treatment
- Surgeries and medical procedures
- Emergency care and ambulance services
- Doctor consultations and diagnostic tests
- Preventive health checkups
- Critical illness and long-term treatment
With Pak Motor Guard, you get flexible plans designed for individuals, families, and senior citizens in Pakistan.
What Does Health Insurance Cover?
Hospitalization & Inpatient Care
Covers hospital stays, room charges, surgeries, specialist care, medicines, ICU services, and tests. This is essential for protecting you from major medical expenses.
Outpatient & Doctor Visits (OPD)
Covers consultations, medicines, diagnostic tests, and minor treatments without hospitalization. Ideal for regular medical needs and ongoing health monitoring.
Critical Illness Coverage
Covers serious health conditions such as heart attack, stroke, cancer, kidney failure, and major surgeries. Provides a lump-sum payout for treatment and recovery.
Maternity & Newborn Care
Covers maternity-related expenses including prenatal checkups, delivery, C-section costs, newborn care, and postnatal follow-ups.
Prescription Medication Benefits
Helps cover the cost of essential medicines for ongoing treatments, post-surgery recovery, and chronic health conditions.
Dental & Vision Care
Offers coverage for dental procedures, eye testing, glasses, and minor treatments not typically included in standard health plans.
How Much Does Health Insurance Cost?
The cost of health insurance in Pakistan depends on:
- Age and health condition
- Type of coverage selected
- Individual vs. family plan
- Add-ons like maternity or dental
- Hospital network selection
- Pre-existing conditions
Average starting prices:
- Individual Health Plan: Rs. 12,000 per year
- Family Health Plan: Rs. 28,000 per year
- Senior Citizen Plan: Rs. 35,000 per year
We compare multiple health insurance providers to offer you the best coverage at the best price.
Common Claim Scenarios
Hospitalization After an Accident
Problem: You are admitted after a road accident and require surgery.
Outcome: Your policy covers hospital bills, specialist care, surgery costs, and medicines.
Unexpected Illness
Problem: You develop a sudden illness requiring multiple tests and emergency treatment.
Outcome: Health Insurance covers OPD visits, tests, and treatment expenses.
Critical Illness Diagnosis
Problem: You are diagnosed with a major illness requiring long-term treatment.
Outcome: Critical Illness Insurance pays a lump sum to cover treatment and support recovery.
Customized Protection for Health & Wellness
Enjoy insurance coverage designed around your personal health needs. From routine checkups to major medical support, get flexible plans that fit your lifestyle and budget keeping you protected, confident, and focused on living well every day.
Frequently asked questions
Does health insurance cover pre-existing conditions?
Yes, depending on the plan. Some require a waiting period of 6–12 months.
Which hospitals can I use?
We work with leading hospitals across Pakistan, including private and tertiary care centers.
Can I add my family to my plan?
Yes, we offer family packages with discounted premiums.
Does the policy include laboratory tests and diagnostics?
Yes, OPD and wellness plans cover most routine tests.